The problem of course is the stock market is a better indicator of how well hot money can be made versus how well it reflects our economy. We are 4 million jobs short from our 2008 peak yet stocks are inching closer to their respective peaks. So what really gives? Well the Fed has helped boost funding to member banks but little of this is making its way to the average American. The irony is that big money is now crowding out many Americans in housing which is the biggest wealth factor for most Americans.